“Paul Merriman is one really smart guy, but more than that he is wise. And in investment counseling, I’ll take wise over smart any day.”  — Knight Kiplinger, Editor in Chief, The Kiplinger Letter, Kiplinger’s Personal Finance magazine, and Kiplinger.com

What You’ll Learn

Financial Fitness Forever pinpoints the five most important choices all investors make, whether by design or default. Where will you place your trust? Will you accept the market or try to beat it? How much risk will you take? What assets will you choose for your portfolio? How will you protect yourself from fads, emotions and the routine “noise” of market activity?


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Going beyond the basic wisdom of passive investing in index funds, Merriman explains how to carefully optimize a portfolio to achieve the same or greater gains with even less risk.


What Experts Are Saying

Review of Financial Fitness Forever claims “book holds keys for staying financially fit. Read this review of Paul Merriman’s “Financial Fitness Forever”.

By Elliot Raphaelson, Tribune Media Services, Oct. 19, 2012

“I found that author Paul Merriman has such unique ways to explain the topic, I was immediately compelled to turn down page corners so that I can go back and reference them later. Mr. Merriman has captured some very useful explanatory methods that literally anyone can gain benefit from reading, and I expect I’ll come back to this book again and again.” To read full review, click here: http://financialducksinarow.com/4485/book-review-financial-fitness-forever/
Review by Jim Blankenship, Blankenship Financial Planning

No one understands what it takes to be a successful investor better than Paul Merriman. If you want to build a winning portfolio for life, this is the book to read.

— Bill Schultheis, author, The Coffeehouse Investor

This is the ultimate strategy for America’s Main Street investors. If your goal is to beat guys like Buffett, avoid future pitfalls, and retire comfortably, this is a must-read.

— Paul B. Farrell, columnist, DowJones/MarketWatch.com, and author, The Winning Portfolio and The Millionaire Code

A wonderful book! Paul explains simply and clearly how each of us can take personal responsibility for our financial futures by creating a comprehensive plan based on discipline and diversification.

— Alan Mulally, president and CEO, Ford Motor Company

Using stories and analogies drawn from his decades of experience, Merriman provides a road map with simple but sound advice for a financially fit future.

— Larry Swedroe, principal, The Buckingham Family of Financial Services, and author, The Quest for Alpha

Paul Merriman is a competitor of mine, and I can think of no finer compliment than that, after forty years in the business, I have learned to be a better investor and manager from reading Paul’s work.

— Joe Shaefer, president, Stanford Wealth

Financial Fitness Forever shows just how simple it is to successfully invest and enjoy the future of your dreams. Physical fitness requires hard work but this book does an absolutely brilliant job of giving specifics on how to effortlessly achieve financial fitness.

— Allan Roth, CBS MoneyWatch, and author, How a Second Grader Beats Wall Street

Peace of mind and trust are at a premium in these uncertain financial times. Paul Merriman shows you how to find both and use them to create a personal financial plan that gets results you probably didn’t think were possible.

— Ed Slott, CPA, Founder of irahelp.com. September 2011

We have long relied on Paul Merriman’s expert financial advice. If you buy only one new book on how to manage your investments, make it this one.

— Martin Edelston, chairman, Bottom Line Publications

Paul has spent a lifetime learning the techniques that make him an outstanding teacher of investing. Now it’s your turn to benefit from his knowledge. Make the most of it.

— Knight Kiplinger, Editor in Chief, The Kiplinger Letter, Kiplinger’s Personal Finance magazine, and Kiplinger.com

Financial Fitness Forever has the power to transform people’s financial lives. I am not exaggerating. Merriman wants each and every investor to succeed no matter his or her level of investment in the market, and he is a great teacher. The book is comprehensive and thorough; filled with easy to understand, practical advice on common mistakes and good solutions. He provides an honest analysis of the history and true agenda of the financial industry. While it will shake your trust in the status quo, it will also tell you who you should trust and why. Furthermore, the appendices are as valuable, if not more so, than the heart of the book. They include suggested allocations for 50 of the largest employer retirement plans, suggested allocations for the biggest mutual fund companies, and a comparison between the two heavy weight index fund companies – DFA and Vanguard. I would be quite surprised if even the most seasoned investor didn’t learn something from reading it, but I know the average investor—just starting out, on the cusp of retirement, or retired—will find the information in this book invaluable and possibly transformative.

— Nevin D. Harris, Lange Financial Group, www.PayTaxesLater.com